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CONTACT INFORMATION:
STOPANSKA BANKA AD - SKOPJE

 

24 hours CONTACT CENTER (02) 3100 109

 

address:
11 Oktomvri 7, 1000 Skopje, Republic of Macedonia

fax:
+ 389 (02) 3114 503 

e-mail:
kontaktcentar@stb.com.mk

 


Auto Loan

 

GENERAL CHARACTERISTICS OF AUTO LOAN

Loan purpose

The loan is approved for buying automobiles and jeeps

Loan amount 

 

Up to 30.000 EUR (In MKD equivalent)

 

Currency

• MKD loan with FCY clause

Interest rates
   
(Annual)

Payroll clients

Other clients

 

•  6,86% EUR 

 

•   7,62% EUR

In compliance with applicable regulations, SB regularly announces the Annual Percentage Rate of total costs (APR) on its website, on the bulletin boards at counters and through public media 

 

Tenor  

•  From 1 to 7 years

Repayment  

 

Equal monthly annuities

For all holders of transaction account with Stopanska Banka repayment is possible by:

•  Standing order or
•  Through the i-bank system of Stopanska Banka 

No fees for early repayment.

 

 

Costs

 

• Administrative fees: 1% of the approved loan amount
• Notary fees for establishing pledge over the vehicle and entry of the pledge into the Central Registry  

KASKO i.e. All-risks car insurance fees for the whole loan repayment period

 

 

Security

• The ownership of the vehicle is established collateral right in favor of the bank, until full repayment of the loan by borrower
KASKO i.e. All-risks car insurance assigned in favour of the Bank

Loan criteria 

 

• Individuals, citizens of the Republic of Macedonia

Manadatory participation of the borrower when buying the vehicle at least:

Min. 20% of the car value up to EUR 16000

Min. 25% of  the car value over EUR 16000

•  Minimum amount of net monthly income of the borrower/co-borrower 9.100 MKD.

• The age of borrower and co-borrowers should be minimum 20 years on application date and 67 years on loan maturity date

Co-borrower opportunity
  • Co-borrowers can be immediate family members (parent, child, spouse)
  • Co-borrowers can also be included if they are not immediate family members but with the following conditions:

 - SB payroll client (at least 1 month)

 - User of at least one SB lending product with good credit history

  • Co-borrowers income and debts are 100% inlcuded in DTI calculation.

 

 

 

 

Required documents

 

 

*1.  Auto loan application
*2.  Photocopy of ID card or passport
*3.  For SB payroll clients: only print of statement from transaction account for last three months  

       For non SB payroll clients: Pension check/ salary certificate, certificated and signed by the employer (not older than 30 days), and for employees at private companies, PP53 form (summery of salaries certified at PRO) for the last 3 months

4.  Seller's pro-forma invoice for the vehicle
5.  For the main borrower, depending on the marital status, he/she should submit:

- single borrows – copy from the newest  birth certificate (not older than 6 months) or certificate from Ministry of Internal Affairs that existing certificate is not amended.

- married borrowers – copy from the marriage certificate (no limitation for the issuance date of the certificate)

6.  For co-borrowers, members of the closest family, valid birth or married certificate is required.

*7. Consent for report from Macedonian Credit Bureau

 

*Refers to borrower and co-borrower

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